Join host Jim Sumpter, CFP®, and his returning guest, CMC Financial’s Vice President, Andy Graffeo, AFSP, as they take you through essential year-end financial planning strategies using their six-piece playbook. They cover key topics like maximizing 401(k) contributions, Roth conversions, required minimum distributions, charitable giving, education planning, and energy tax credits.

Throughout the episode, Jim and Andy stress proactive planning, highlighting that working closely with trusted financial professionals before year-end ensures that key actions are completed in time to optimize tax savings, protect assets, and align financial decisions with personal and family goals.

Key takeaways include:

• How to make the most of 529 plan contributions and education tax credits
• Portfolio rebalancing, wash sale rules, and offsetting capital gains
• Roth conversions, inherited IRAs, and required minimum distributions (RMDs)
• Maximizing 401(k) and HSA contributions before year-end
• Charitable giving, home energy credits, and proactive tax planning
• Reviewing beneficiaries, gifting rules, and digital assets before December 31
• And more

Previous Episodes of Interest:

• You Inherit an IRA, Now What? (Ep. 12)
• Tax Deductions For Charitable Contributions (Ep. 15)
• Is Your Investment Portfolio Ready for the New Year? (Ep. 16)

Connect with Jim Sumpter: 

• 205-510-9074
• CMC Financial
• LinkedIn: Jim Sumpter
• LinkedIn: CMC Financial
• Facebook: CMC Financial
• Instagram: CMC Financial
• YouTube: CMC Financial

Connect with Andy Graffeo: 

• Call or Text: (205) 397-2456
• agraffeo@cmcfp.com 
• CMC Financial
• LinkedIn: Andy Graffeo

About Our Guest:

Andy began his career with RFG in 2003 and brings decades of hands-on experience in tax and financial planning, with a focus on supporting families and small business owners. A proud Birmingham native, he attended Ensley High School and later earned his degree from the University of Alabama at Birmingham (UAB).

Growing up, Andy spent much of his youth working in his family’s grocery stores, where he quickly took on the responsibility of managing many of the financial operations. It was during these early years that he developed a deep appreciation for the value of hard work and financial stewardship. As the retail landscape evolved, Andy saw the future with clarity—recognizing the opportunity to use his skills in a new way. That foresight inspired him to pivot into financial services, where he could make a meaningful difference in the lives of local families and business owners.

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